Be the CFO of Your Paycheck
Most people don't see where their money goes until it's already gone. Allocate shows you your full paycheck breakdown — taxes, deductions, pre-tax opportunities — before payday.
The problem
Existing tools help after the money's gone.
That's too late.
Budgeting apps, tax software, payroll portals — they all look backward. By the time you see the numbers, your paycheck has already been calculated, withheld, and deposited. The decisions that matter happen before payday.
Tax surprises hit after it's too late to fix them
California withholds RSU income at a flat 10.23%. If you're in a higher bracket, the gap comes out of your pocket in April — not your employer's.
RSUs withheld at flat 22% federal + 10.23% CA. Actual bracket: 35%+ federal.
Pre-tax dollars go unoptimized every pay period
Most people never adjust their 401(k) beyond the default, miss employer match, or pick a high-premium plan when an HSA-eligible one would save them more.
Avg uncaptured 401(k) match: $840/yr. Avg HSA tax savings missed: $960/yr.
Big decisions get made without the right numbers
Comparing job offers. Timing RSU vests. Choosing between insurance plans. Every one of these requires knowing your true take-home — a number nobody hands you.
Tools like Mint and YNAB track what already happened. Nothing shows what will happen.
The gap
Pre-pay planning tools don't exist. Post-pay budgeting apps are too late.
There's a window between when your paycheck is calculated and when it hits your account. That window is where the real decisions live — and it's been empty. Until now.
How it works
From confusion to clarity
in three steps.
Allocate is built around a natural progression. You can't act on what you don't understand — and you can't understand what you can't see. So we start at the beginning.
Your paycheck, line by line.
See every dollar accounted for before it hits your account — federal tax, state tax, FICA, SDI, every pre-tax deduction — with the exact math behind each one. Not an estimate. Your numbers.
- Itemized gross-to-net breakdown
- Real withholding vs. what you should owe
- RSU and bonus paycheck previews
Understand the why behind every deduction.
SDI. VPDI. Supplemental withholding rates. The difference between marginal and effective tax rates. We explain it in plain English — not because it's simple, but because you deserve to understand it.
- Plain-English explanations for every line item
- California-specific guides (RSU withholding, SDI)
- Marginal vs. effective rate breakdowns
Model changes. See the impact. Decide.
Adjust your 401(k). Compare insurance plans. Run a California vs. Texas scenario. We show you the math on every lever you actually control — before you pull it. No advice. Just clarity.
- Side-by-side scenario comparisons
- W-4 withholding adjustment modeling
- 401(k), HSA, and insurance plan optimizer
What people are saying
Real people. Real numbers.
Real clarity.
"I had no idea my RSU withholding was leaving me $3,800 short every year. Allocate showed me the gap in minutes."
"Finally something that explains why my California paycheck looks nothing like the offer letter. The marginal vs. effective rate breakdown alone was worth it."
"I was about to pick the cheapest health plan. Allocate's comparison showed the HSA-eligible one actually saved me $960/year after the tax benefit. I switched."
As seen in
Press coverage coming at launch — placeholder for now.
Stop flying blind.
Be the CFO of your paycheck.
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